Walmart MASTERCARD Consumer Reviews

ZERO OUT OF 5!!! This is the most terrible experience I've ever had with credit cards. I called their customer service number to close my Walmart Mastercard but someone convinced me not to close it instead avail of balance transfer promo which I can pay it for 6 months (installment/divided equally). I said ok I will get it to make an easy equal monthly installment payment for 6 months. They said they will send me cheques which I can fill up for 4,400. I did fill the cheques, deposit to our account then after clearing I fully paid one of my visa cards. When I received the 1st statement which includes this balance transfer thing, it says my outstanding balance is my recent expenses + total balance transfer that I borrowed. What did I divide the B transfer promo to 6 months and added my recent purchases and paid that? When I received the next statement they charged me a huge amount for both purchase interest & cash interest. I called them why and they said I did not fully pay all the balance in my account. They said including the balance transfer. OMG! I was advised to pay it for 6 equal monthly payment & now they charged me with purchase & cash interests which not supposed to be. I paid huge interest for this non-sense, not helpful company I can say greedy. Will close this card soon after I fully paid this company full of lies!!!

Walmart Mastercard has been hands down the most infuriating service. On its own, the credit card is fine. Back when I used to shop at Walmart for most of my groceries, it worked well. But as soon as I had to initiate a chargeback, the cracks really began to show themselves. Long story short, WestJet broke Canadian Federal law by not providing a refund to a cancelled flight, and as such I pursued a chargeback with my Walmart Mastercard. They sent me the documents via mail and required that I either fax or mail them back. You heard that right: Fax. In 2020. The fact that Walmart doesn't have credit card tap is one thing, but they can't correspond with their customers via email/online? Ridiculous. From there, it was a waiting game. They give the merchant (in this case WestJet) 45 days to respond to the chargeback claim. Due to the fact that we had pages and pages of proof showing how WestJet broke the law, they never did. That alone would have been fine. The issue lies with how Walmart handled the situation. I called them four times to confirm the status of the Chargeback, and each time they provided different dates as to when it would be over. To be fair, the second time and the last time I called, they gave the same dates. So clearly they don't have the technology or information on hand to determine when exactly a dispute will end, otherwise each call would have had consistent information. In the end, their lack of consistency and the difficult nature of being able to get any concrete info out of the Walmart Mastercard led me to cancelling my account the minute I knew the Chargeback was over. To conclude, this card may have nice benefits if you use your card often, but if you ever want a credit card that will actually work for you and provide you the information you need as one of their clients, I would encourage you to look for a better card. You are just a number to these people, and they will jerk you around with unprofessional service all the live-long day.

Avoid Walmart MasterCard. We have had a merchant dispute with them since the beginning of August that is still not closed. We submitted phone recordings and 25 pages of evidence that the merchant did not provide the service we were charged for and broke federal law. Walmart MasterCard has given us 3 different dates that the dispute was supposed to be closed in our favour on. They have lied, changed their rules multiple times, and have not been forthcoming with info. They gave us just 15 days to send our evidence and have given the merchant 3 months to respond (which they still have not). Getting a hold of them has been a nightmare. We can't wait to cut up our cards and be done with them.

43 days after applying for a card, none has shown up. 3 customer service contact attempts. Still do not have an account number to access payment options. Received a call from WM collections for payment, received balance owing, but not an account number to make payment to. To assist me I was transferred to Customer service 4th time, on hold again, no pickup after 17 minutes, I disconnected. Called back 90 minutes later on hold for a lengthy time but finally answered by a helpful customer service representative, 'Dispatch', review pertaining info, could not provide me with an account number, have to talk with security, transferred, after 61 minutes from initial call I was returned to another customer service agent, reviewed pertaining info again and said the account now has a security block on it. She transferred me back to security I am still on hold 102 minutes still waiting. I will not hang up I will see how this goes... for call #5, 112 minutes security answered, pertaining info again, took the block off, sending a new card. She just wanted to get rid of my call. Asked her how to close the account, said I have to pay the balance, I replied I would like to but you need your account number from your statement or from your credit card and customer service can help you, ended the call, I was sent to a push the button customer service survey. While waiting I have gone online and printed the Walmart Canada Bank Mastercard Complaint Handling Process, 2 pages. This is not a card you would ever want!

I just recently found out that my credit card has been a fraud, so I called customer service for help. But I have been put on hold for more than 2 hours until someone answered my call but had to transfer me to the security department. Then another waiting until someone from the security dept answered my call. When I told him about my problem, he put me on hold right away with no reason why and then I got on hold again, only to find out I have been sent back to the regular department...

Wish I had read the reviews prior to getting this card.
The customer service is TERRIBLE, I got hung up on just to have to call and wait all over again!
They don’t care about helping anyone.

Walmart Reward Mastercard is not worth the trouble. Could not download my transactions and when I tried to ask them through the secure message channel, they refuse to answer. Instead told me to contact them through the phone. What the point of having a secure message is when they don't use it to reply to a question? How to download the transaction to Microsoft Money?

Good basic card with the worst service. With this card, customers can use rewards once the amount reaches $5. Worst service - so many disappointments! 1. They upgraded the website - that’s the biggest disappointment as it’s very inconvenience to a user; one can review only 3 or 4 transactions (laptop screen can accommodate only these many as a transaction has so much width gap from other) to see other one needs to scroll up or down; 2) Customer service is below average. I had to call 3 times to get reissue additional card and every time I was promised I would get in the next 7 to 10 business days. 3) Online messaging communication is not helpful. You send any message they respond by identical message - "sorry, this can’t be answered, please reach us on phone"... I have 3 replies to my messages which are identical like this. 4) Another worst feature is that pending transactions and approved transactions are mixed when you see it online which is very confusing. Raised inconveniences but no hope. I didn’t cancel my card as it’s not going to help me. So I have started using another card, which pays rewards annually but has good customer service and easy to use a website. I have a habit to review transactions 5 days a week. If you like to review your account regularly then you would be frustrated by the Walmart MasterCard website.

Walmart credit card is just OK. Sure, you have no fee, rewards are pretty much the same as any other but the customer service - terrible!!!

I got my Walmart Mastercard beginning of this year and the system was not proper to check transactions easily so I haven't seen that, I was paying insurance fee and something more that I didn't accept. I called Walmart they gave me a Canada Life insurance customer number. The woman that I talked about didn't even listen, she was so rude and didn't care anything I told. I don't who even hire that girl. She just talks robotically and insanely rude. Even I need any insurance I wouldn't get from them.